Make the most out of your budget with the right financial advice.

We understand financial advice needs will change depending on your life stage and your circumstances, and that’s why we partner with Bridges to offer Financial Planning you need personalised support to our customers. Bridges can help with advice covering investments, taxation, superannuation, retirement planning and other strategic financial services.

Find out more below or contact us to make an appointment.

Financial Planning for a better future

Financial Planning is designed to help you create a better future – from a financial perspective – by providing advice on investment strategies. Financial planners take into consideration your personal circumstances and can tailor their advice specifically for you, no matter your budget.
Some of the scenarios they can help you with include:

  • Managing investments tax effectively
  • Saving for a home
  • Planning for the costs of marriage and the benefits of combined income and savings
  • Structuring your assets in the most effective way if you are self-employed
  • Planning for the birth of children and the loss of a regular salary whilst on maternity leave
  • Making the most of your superannuation
  • Planning your finances following a redundancy or when changing jobs
  • Making the most of a financial windfall, such as an inheritance or a maturing term deposit
  • Maximising your eligibility for government benefits
  • Planning the retirement lifestyle you want
Still not sure if Financial Planning is for you?
Here are some key life events and how we can support you.

Wealth accumulator

Buying a lifestyle property
• Effective debt management by helping them reduce their mortgage faster

Large cash holdings/inheritence
• Assisting with maximising their wealth
• Effective management for inheritance

Divorce
• Helping them navigate change and through a difficult time to make the most out of their money

Redundancy
• Navigating their redundancy payment and how best to use it
• Planning their investments to meet their changing circumstances and goals

Planning for children/supporting a family
• Financially protecting the people they love

Achieving desired lifestyle
• Providing an education for their children
• Assisting with Estate Planning

Wanting to buy a business
• Helping them make the right decision
• Ensuring that they have enough cashflow
• Structuring advice around their business

Business owner

Debt Management
• Helping them pay off their mortgage faster
• Strategies to manage business debt

Inheritance
• Assisting with maximising their wealth and minimising their debt

Selling or buying a business
• Advice on expanding or winding up
• Managing cashflow effectively
• Sensible planning to manage ageing

Intergenerational wealth transfer
• Ensuring their family is looked after Business protection and succession planning
• Review of the business insurance requirements eg.

Key person insurance
• Ensuring business continuity
• Protecting business and family interests
• Structure of ownership (creditor protection)

Pre-Retiree

Buying a lifestyle property/downsizing
• Assisting them with making the most out of their money

Planning for retirement

• Sufficient funds for retirement
• Managing/clearing debts effectively
• Ensuring appropriate risk protection
• Looking after their family’s future
• Maintaining lifestyle
• Giving back to the community

Illness/Injury

• Not being forced to sell assets in times of crisis

Large cash holdings / inheritence
• Assisting with maximising their wealth and minimising
their debt

Divorce
• Helping them navigate change and through a difficult time to make the most out of their money

Investment Portfolio
• Building their super for retirement
• Using borrowed funds to build an investment portfolio

Retiree

Retirement
• Receiving a consistent income stream and knowing that it’s going to last
• Maintaining their lifestyle
• Giving back to the community

Aged Care
• Sensible planning to manage ageing needs
• Understanding the rules and conditions that are applicable to Aged Care

Downsizing their home

• Living a comfortable lifestyle
• Retirement planning rules for downsizing

Intergenerational wealth transfer
• Advising how to best structure the transfer of wealth to the next generation
• Assisting with Estate Planning
• Ensuring that they are able to look after their family efficiently
• Advising how to maximise Centrelink benefits/entitlements

  • The Little Details

    Bridges Financial Services Pty Limited (Bridges). ABN 60 003 474 977. ASX participant. AFSL 240837. Part of Insignia Financial Ltd. This is general advice only (including taxation) and has been prepared without taking into account your particular objectives, financial circumstances and needs. Before making an investment decision based on this information, you should assess your own circumstances or consult a financial planner. Any examples used are for illustrative purposes only. To the extent permitted by law, Bridges, its employees, consultants, advisers, officers, and representatives are not liable for any loss or damage arising as a result of any reliance placed on the contents of this flyer. Do not act until you seek professional advice and consider the relevant Product Disclosure Statement. In referring members to Bridges, Southern Cross Credit Union does not accept liability or responsibility for any acts, omission or advice provided by Bridges or its authorised representatives.

    Changes at Bridges

    From 2 May 2022, MLC Advice has become part of Bridges. This has created one of the largest networks of employed financial planners in the country – with over 120 Financial Planners across 24 locations.

    Importantly, Bridges will continue to be supported by ASX-listed Insignia Financial (formerly IOOF), which has a 175-year history of looking after Australians’ financial wellbeing and is committed to financial advice.

    There is no change on the way Bridges works with you, your advice or your insurance cover.

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